Protecting your family and loved ones are very important responsibilities. However, you can’t protect them if you are not healthy yourself. Early in the year, “health” goals are especially popular. Health and laboratory screenings are a couple of ways one can better understand his or her health status — and getting them may be easier than you think.

Be proactive
Make sure you are getting proper preventive care, like health screenings and check-ups that are recommended for your gender and age. The Centers for Disease Control and Prevention (CDC) provides a checklist at cdc.gov/prevention/. Many employers and health plans also offer health screenings for their employees and members. Take advantage of these opportunities and other resources that may be available.

Know your current status
Inside LookIf you have applied for life insurance, most policies provide you with laboratory results from your application process, and you can share with your physician. With more than 70% of medical decisions based on laboratory testing,* these results are valuable insights into your health. More than 1.4 million applicants have accessed this information through Inside Look® as an additional benefit from a life insurance exam. Last year, the report was also enhanced to include Spanish and French versions. With a patented ocular view, it makes it easy for applicants to view and understand their laboratory test results.

“I am a physician and I think this process and online access is fantastic and I’d love to have my employer begin using it for giving our patient’s results. I cannot think of any way to improve it.”

Screenings are a way to keep track of your health any time of the year. The awareness of your own health status lets you have peace of mind so you can protect your family with essentials like life insurance coverage. Find more ways to protect your family at MyExamOne.com.


*Quest Diagnostics

 

Knowing the value of improved fasting guidelines

by ExamOne on February 13, 2017

In our continued effort to improve the applicant experience while adhering to the latest medical standards, we have updated our fasting guidelines for life insurance exams. Our recommendation to clients and applicants is that fasting is no longer necessary before a life insurance blood or urine collection. This recommendation is based on evidence that shows the minimal impact that fasting plays on the standard life insurance laboratory panels. This update not only allows greater flexibility for applicants to complete exams throughout the day, it also follows the medical community’s guidelines for fasting.

Historically, the insurance industry required fasting because it was believed to produce more accurate glucose and lipid tests. When we switched to A1c testing on all specimens in 2016, this eliminated the need for fasting because A1c is not impacted by a recent meal, as glucose is a more reliable determination of long-term glucose control. Additionally, clinical research as well as our own internal fasting studies show that triglyceride is the only other analyte affected by a recent meal. Armed with the “hours fasted” information, underwriters can make a sound decision on each applicant.

For any additional clinical support of this recommendation, see below references and sources.

“Fasting times showed little association with lipid subclass levels in a community-based population, which suggests that fasting for routine lipid levels is largely unnecessary.”

Source: Davinder Sidhu, Christopher Naugler. Fasting Time and Lipid Levels in a Community-Based Population.  Archives of Internal Medicine. 2012; 172(22): 1707-1710.

“The exceedingly small gain of information from a fasting blood test likely does not offset the logistical constraints put on patients, laboratories, and doctors for the procedure.”

Source: (Editorial) Dr. J. Michael Gaziano. Comparison of a Novel Method vs the Friedewald Equation for Estimating Low-Density Lipoprotein Cholesterol Levels From the standard Lipid Profile.  Archives of Internal Medicine. 2012; 172(22): 1705-1706.

“Most lipid levels differed minimally when measurements were performed nonfasting or fasting, with clinically insignificant changes; negligible changes for high-density lipoprotein (HDL) cholesterol, slight changes (up to 8 mg/dL) for total cholesterol, LDL cholesterol, and non-HDL cholesterol; and modest changes (up to 25mg/dL) for triglycerides.”

Source: Samia Mora. Nonfasting for Routine Lipid Testing From Evidence to Action. JAMA Internal Medicine. July 2016; Volume 176 Number 7, 1005.

“Lipid levels at most change minimally in response to normal food intake in individuals in the general population. Furthermore, nonfasting lipid profiles predicted increased risk of cardiovascular events.”

Source: Ann Langsted, Jacob J. Freiberg, Borge G. Nordestgaard. Fasting and Nonfasting lipid levels: influence of normal food intake on lipids, lipoproteins, apolipoproteins, and cardiovascular risk prediction. Circulation. 2008; 118: 2047-2056.

“Measurements of hemoglobin A1c [HbA1c] more accurately identify persons at risk for clinical outcomes than the commonly used measurement of fasting glucose.”

Source: Hemoglobin A1c Outperforms Fasting Glucose for Risk Prediction. John Hopkins Bloomberg School of Public Health , JHSPH.edu,. March 4, 2010. http://www.jhsph.edu/news/news-releases/2010/selvin-blood-test.html?source%3Drss

For additional support for this decision, please see our “To Fast or Not to Fast” white paper or contact Betsy Sears, Executive Vice President, Laboratory Strategy and Sales, at Betsy.R.Sears@ExamOne.com, or Dr. Jim Palmier, Medical Director at James.A.Palmier@ExamOne.com with additional questions.

Flexible contact center solutions

February 6, 2017 Carriers

You need answers. Literally. ExamOne’s contact center solution has specialized in collecting consumer information for nearly 20 years in an efficient and quality-controlled environment. From complex surveys and questionnaires to friendly reminders, our experienced team and advanced technology can get you answers. Some industries require a more comprehensive contact center partner to create customized calling […]

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How we can help you grow your brokerage business

February 2, 2017 #Committed2 You

The beginning of the year is a great time to review your business strategies and explore improvement opportunities. Whether you believe in resolutions or not, making a list of action items can help you achieve your goals in 2017—and we’re here to help. See how our ExamOne Superior Solutions has tailored our offerings to meet your unique […]

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Let us be your extended new business team

February 1, 2017 #Committed2 You

Our Brokerage Sales team is committed to growing your business and the applicant’s experience. We look forward to working with you and your organization this year. Feel free to contact our dedicated team for more information.   Melanie Carter | Vice President, Sales Melanie has been an active professional in the insurance industry, servicing the paramedical needs for […]

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Welcoming busy applicants with choice and convenience

January 18, 2017 Applicants

Location, location, location. This is a common catch phrase in real estate, but it’s also becoming more important to life insurance applicants as well. In today’s busy and very mobile society, consumers—including life insurance applicants—want options that best meet their on-the-go lifestyles. To meet this growing consumer demand, ExamOne gives applicants a choice when deciding […]

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Make every holiday season happy: give the gift of life insurance

December 21, 2016 Applicants

Do you remember all the gifts you have given or received during the holidays? Probably not. Gift cards, sweaters and iPhones can only go so far in life. If you still have some last minute presents to buy, stop shopping for forgettable items and give something outside the (gift) box. Though you may not find […]

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2015 Producer Rep of the Year awards

December 15, 2016 #Committed2 You

At ExamOne, our employees are committed to being a premier service provider to life insurers, while creating a positive experience for those taking the important step of protecting their families with life insurance. Each year, we recognize the hardworking employees who have been leaders in demonstrating this commitment. Lauren Davis | 2015 Producer Rep of the […]

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Eliminating paper reduces errors and improves turnaround time

December 14, 2016 Carriers

Over the past decade, business processes have evolved from tedious paperwork to streamlined digital workflows. Although this digital shift has revolutionized many industries, change has been slow among life insurers. Paper processes are prone to errors since issues like unreadable handwriting and inadvertently missed questions are common. Reliable, consistent data is required to determine insurance […]

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Ask the Expert: ExamOne.com online ordering

December 9, 2016 Ask The Experts

Our online ordering system is designed to simplify the ordering process, improve efficiency for your office and personalize the site for your needs. This tool was designed to help you manage your cases easier, save you time throughout your day and speed up the time it takes to order requirements. Below are some of our […]

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